Institutional-grade service for international buyers. From deep-dive underwriting to legal completion. Mortgage brokerage, bureaucracy shield & legal vetting.
Access to 15+ Spanish lenders, hidden expat-friendly rates and non-resident products.
Remote NIE application, Spanish bank account opening, and currency hedging strategy.
We review the 'Arras' deposit contract to make sure your funds are never at risk.
Mark & Sarah, UK residents. Goal: €350k holiday home. Banks quoted 4.5% – Casarates secured 3.2% fixed rate, handled NIEs remotely, saved €4,200 on currency transfer. They flew only for the final signing.
1+ hour deep dive into your profile & goals.
Decision in Principle from banks within 48h.
NIE, bank account, FX optimization.
Notary signing & handover. Welcome home.
Our proprietary engine protects you from overpaying. In 2025, we performed 203 expert appraisals for our clients.
Data Points
Appraisals in 2025
Independence
"We are committed to delivering the most thorough, data-backed financial analysis in the Spanish market. Your investment deserves institutional precision, not just a mortgage rate."
The Casarates Advisory Team
The result of our mandatory 1-hour strategic underwriting session. A complete roadmap to your investment.
Renegotiated €1.2M Ibiza villa down to €1.05M before bank valuation. Saved €150k.
US buyer locked a forward contract during mortgage window, saving $8,500 against volatility.
UK residents completed Malaga purchase without flying. NIE, POA, utilities managed remotely.
Properties < €500k
Properties > €500k
"Casarates made the Spanish mortgage process feel like a premium service. They found us a 2.9% fixed rate as non-residents."
— C. Dupont, France"The financial passport document was a game changer. We knew exactly what banks would see. Saved us months of back and forth."
— L. & M. Thompson, UK"Totally transparent. We paid only after signing. The bureaucracy shield saved us at least 30 hours of stress."
— A. García, USARequest your 1-hour Deep-Dive Interview (LSU) and obtain your Finance Passport.
Licensed Mortgage Broker #E382 regulated by Banco de España.
Senior Mortgage Advisor
Get a personalised financial passport and discover the best mortgage strategy for your Spanish property acquisition.
